Out-the-door
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Four cars, two worksheets each: build the real out-the-door number, then see what financing it actually costs. Everything you type stays on this device.
Use a minus sign for discounts. Taxed stays on for anything the dealer sells you (markup, add-ons, accessories) and off for things like a manufacturer rebate — in California, tax is figured before the rebate comes off.
94303 straddles two counties — Palo Alto is Santa Clara County, part of the ZIP is East Palo Alto in San Mateo County — and California charges tax at your registration address, not the dealer's. Check your exact rate on the CDTFA rate lookup before you sign, and correct the field above. DMV figures are estimates.
Each rate carries its own term, because that is how they are offered — 0% for 48 months against 1.9% for 60 is a shorter, larger payment against a longer, smaller one. The comparison below is total cost, not just the monthly number.
| Per rate | A | B |
|---|
| Term | A | B | B saves |
|---|
Both rates held at the same term, so the rates alone are compared — your two actual offers, each on its own term, are in the table above. A longer term shrinks the payment and grows the price; the rows you have picked for A and B are marked.
If the implied APR comes back higher than the rate you were quoted, something extra is buried in the payment — an add-on, a warranty, gap insurance.
| Car | Out-the-door | Monthly @ A | Total paid |
|---|
Built from whatever you have entered on each car's tabs, at that car's rate A — the lowest figure in each column is marked.